Our expert says:
Allowing her to move in after short acquaintance was, in retrospect, not a good idea, was it ? The agreement was to share expenses, it was selfish and irresponsible of her to quit her job without telling you, and indeed to quit it at all unless there were unusually major reasons. And to make no atempt to get another job, and expect you to pay for anything, is rude, selfish and unacceptable. YOu need to sit down calmly with her and spell this out. It is up to her to find somewhere else to live ( friends, or return to her family for the present ) amd to get another job --- even if she has to start with something less than she'd want in the long-term. The longer she fails to even try, the harder it will become for her to get a job at all.
Tell her she has one month to find sometwhere else to stay and move there, or to find a new job enouh to pay her share of your shared expenses and anything else she wants to spend on. Immediately stop paying for her gym ( that's a luxury ), and toileries, and life policies, and anything else not essential, and tell her that after the one months notice you'l stop paying insurance, car, and the rest of it. She can probably negotiate with the insurances and policies, to suspend them until she can afford to resume payments.
Tell her you will NOT be fin, and that you don't appreciate her selfishness, laziness and lack of caring.
She is using you, apparently shamelessly. Do not allow this to continue.
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